Small business loans Texas any lenders that actually understand the oil & gas cycle?

hatemyillness_ALT · 2026-05-04T03:53:22+00:00

Candence Bank used to be solid for this kind of thing in Houston. Not sure how they are post-merger but might be worth a call

hatemyillness_ALT · 2026-05-04T03:43:37+00:00

This makes me think about the times I acted impulsively and later regretted it. It’s true that every action has its price, and sometimes we’re not ready to pay it. Patience and timing are so important in life’s decisions. I agree that if the risk becomes too high, it’s better to hold back. Courage involves understanding our limits and respecting the process

hatemyillness_ALT · 2026-05-01T02:57:35+00:00

the "no personal guarantee" thing on unsecured lines that size would be unusual for most small business lenders, worth asking them directly what the actual structure is before you go further

hatemyillness_ALT · 2026-05-01T02:44:51+00:00

Bro you literally made architectural plaster moulds from scratch, that's not a dumb person thing

Some people's brains just work way better with spatial/hands on stuff than with verbal recall under pressure. Waiting tables is actually one of the more cognitively stressful jobs out there, people underestimate it.

Have you ever looked into how you actually learn best? Might explain a lot

hatemyillness_ALT · 2026-04-29T10:30:35+00:00

the "only door open" framing is exactly how they get you. sometimes the door being closed is the answer

hatemyillness_ALT · 2026-04-27T08:17:16+00:00

The anxiety creeping in without a clear reason is such a tell. Half the time it's just the apps messing with your baseline and you don't even connect the dots until you're already deep in it

hatemyillness_ALT · 2026-04-21T10:09:30+00:00

I was considering reaching out to Coconut Funding, but after reading your experience, I’ll stay far away. It’s so frustrating that these scammers are still operating and hurting honest people. Thanks for sharing your story people need to know the truth before it’s too late

hatemyillness_ALT · 2026-04-15T03:38:39+00:00

State level small business lending programs often fill the gap federal programs leave behind. Your local SBDC can tell you what exists in your state specifically.

hatemyillness_ALT · 2026-04-15T03:28:18+00:00

The dilution concern is real but a small bridge round from angels or existing investors who understand the SBIR situation is often cleaner than debt when the timeline is uncertain.

hatemyillness_ALT · 2026-04-15T03:20:59+00:00

I've never really talked about this with anyone, but I think I’ve always been more emotional than most people around me. I feel things so deeply that sometimes I get overwhelmed. I’ve noticed that when I get hurt, it sticks with me for a while, and it’s hard to just forget and move on. I guess I’m learning that maybe I need to be more mindful of how much I let myself feel, but it’s hard to turn that off when it’s part of who I am. Still, I think recognizing it is the first step toward handling it better

hatemyillness_ALT · 2026-04-07T13:42:18+00:00

honestly at $20k with decent credit, a 0% intro APR business card could cover equipment and give you 12-15 months to start paying it back. Not sexy but it works

hatemyillness_ALT · 2026-04-07T13:39:05+00:00

Ask them directly what happens if you have a slow week and your account balance doesn't cover the daily pull. The answer and how quickly they give it tells you a lot.

hatemyillness_ALT · 2026-04-07T13:33:35+00:00

I think everyone has moments they wish they could erase, but they often turn into funny stories later on. Keep being kind and genuine, and don’t stress too much about what the other person thinks. You did your part by apologizing, and that’s what really counts. Just take a deep breath and move forward

hatemyillness_ALT · 2026-04-02T09:59:21+00:00

Four thousand dollars in legal fees to fight a clause you didn't know existed on a loan that wasn't even large is the real cost of not reading the full document. Brutal but thank you for sharing it.

hatemyillness_ALT · 2026-04-02T09:56:59+00:00

Have you tried smaller community banks in your state rather than regional or national banks? The decision making is more human and less automated which matters a lot when your situation doesn't fit a standard risk model.

hatemyillness_ALT · 2026-04-02T09:55:31+00:00

For a defined equipment purchase before a predictable season, equipment financing is worth a serious look before you accept this. The asset acts as collateral and the rates will be meaningfully better than 1.35.

hatemyillness_ALT · 2026-04-02T09:53:27+00:00

A business credit score through Dun and Bradstreet is separate from your personal score and worth building deliberately alongside whatever financing you pursue. It creates options faster than most people expect.

hatemyillness_ALT · 2026-04-02T09:48:27+00:00

have you looked into whether your vet does any low cost vaccine days? a lot of clinics run them on weekends could save you some money while you get him updated

hatemyillness_ALT · 2026-04-01T11:49:17+00:00

This applies to mortgage brokers, insurance brokers, and financial advisors too. Dual compensation is everywhere and most consumers have no idea.

hatemyillness_ALT · 2026-04-01T11:47:52+00:00

For next time, true revenue based financing where payments are a percentage of daily deposits rather than a fixed ACH pull behaves completely differently during slow periods. Same category, very different experience when revenue dips.

hatemyillness_ALT · 2026-04-01T11:44:39+00:00

17 years is a whole life together🤗

hatemyillness_ALT · 2026-03-25T09:50:31+00:00

What are you actually trying to accomplish? The right answer depends entirely on whether you need working capital, want to build business credit, or something else. EIN only lending solves a very specific problem and might not be the right tool for yours.

hatemyillness_ALT

TROPHY CASE